Comparison of Methods in Integrating with FPT AI eKYC System

The table below describes and compares the advantages and disadvantages when using different methods to integrate customer systems with the FPT AI eKYC system.

Evaluation Criteria	Mobile SDK	Web SDK	API
Ease of Integration	Easy Easiest to integrate as the SDK is built using Native iOS and Android.	Medium More complex integration as it requires additional proxy setup before integration.	Complex Most complex integration, requiring customers to build their own flow and handle data received through the API.
Customization Capability	Flexible, Easy Allows basic or advanced UI customization (may incur additional costs). Additionally, customers can customize the UI or features in the eKYC flow through the portal without needing to update the SDK. **Features that can be customized in the eKYC flow include: eKYC supporting documents NFC verification Quality check Fraud check Postcheck Liveness	Partial Support Allows basic or advanced UI customization (may incur additional costs). Additionally, customers can customize features in the eKYC flow through the portal without needing to update the SDK. **Features that can be customized in the eKYC flow include: eKYC supporting documents NFC verification Quality check Fraud check Postcheck Liveness	Customer Dependent Need to build UI and flow according to provided documentation.
eKYC Session Processing Speed	Fast Fast processing due to built-in mechanisms in the SDK for checking and ensuring input data quality, helping improve accuracy and optimize processing time.	Fast Fast processing due to built-in mechanisms in the SDK for checking and ensuring input data quality, helping improve accuracy and optimize processing time.	Input Data Dependent Processing speed may be slower due to lack of built-in mechanisms for checking and ensuring input data quality.
Security Level	Highest Highest security level, as mobile applications typically have built-in mechanisms for detecting rooted/jailbroken devices, enhancing security.	Medium Lower security level than Mobile SDK. Customers need to strictly follow security guidelines to ensure data safety.	Customer Dependent Security level depends entirely on the customer, requiring establishment of their own security system.
Impact Level When Updating SDK/API	Customer Needs to Update System System update required to apply changes when SDK is updated or new client-side features are added.	Customer Needs to Update System System update required to apply changes when SDK is updated or new client-side features are added.	Customer Needs to Update System Need to proactively update all API-using flows in the system when API changes occur.
Platform and Device Compatibility	Compatible with smartphones from 2014 (Android) and 2018 (iOS) Supports iOS 12 and Android 5.1 and above.	Supports common web browsers	No platform limitations
Feature Support Capability	Has AI models embedded in the SDK to support end users during eKYC process, helping improve user experience and optimize completion rate. Supports NFC for compatible hardware devices, using operating systems from iOS 12 and Android 5.1 and above. Supports OCR using mobile rear camera for better quality.	Has AI models embedded in the SDK to support end users during eKYC process. No NFC support. OCR quality may be limited when using cameras on laptops with poor quality.	No AI models to support end users during eKYC process.